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Emerling Agency, LLC Blog: auto

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October- January are the most common months for deer hits in New York.  These are the most common questions from readers about deer-vehicle collisions and their car insurance policies. I hit a deer. Am I covered? To be covered for a run-in with a deer, you need to have comprehensive coverage as part of your car insurance policy. READ MORE >>

Comprehensive (often referred to as "other than collision") coverage is one type of protection available on an auto insurance policy (others being collision, uninsured motorist, etc.). Comprehensive coverage pays only for damage caused by an event other than collision, including: Fire Theft READ MORE >>

Insurance Myth: Older cars are cheaper to insure- FALSE! Car insurance rates for all vehicles vary depending on several factors, such as who drives a vehicle, garaging location, and its annual mileage.   READ MORE >>

Motorcycles made up just 3 percent of all registered vehicles in the United States in 2015, but motorcyclists were 29 times more likely than private passenger occupants to die in a motor vehicle crash and five times more likely to be injured, according to statistics from the National Highway Traffic Safety Administration (NHTSA). READ MORE >>

To ensure a poorly maintained vehicle doesn't contribute to an accident, National General has put together a few ways you can keep your cars in top condition. Tires According to the National Highway and Traffic Safety Administration, 9% of all car crashes in the United States were preceded by some sort of issue with the tires of the vehicle (e. READ MORE >>

A common question we get is, "do I need to buy rental car insurance"?   The simple answer to that question is "no".   If you are renting a vehicle anywhere in the United States, its territories or possessions, and Canada under a rental agreement with a term no longer than 30 continuous days, your auto insurance will provide coverage. READ MORE >>

Living in Buffalo, we all know what driving with snow covered and slippery roads is like.  Check out these 10 tips on winter driving: 1. Winterize your vehicle - Check your battery, front and rear defrosters, fill up the washer fluid and antifreeze, inflate your tires to the correct pressure, and keep your gas tank at least half full to avoid frozen fuel lines. READ MORE >>

As the outdoor temperature gradually drops, deer activity and deer-vehicle accidents increase. Every year across the country, deer-vehicle accidents account for billions of dollars in vehicle damage, thousands of injuries and hundreds of fatalities. These tips can help you avoid a collision with a deer and stay safe while on the road. READ MORE >>

Get the right insurance for your business vehicles—and save money, too Five things you should consider before your next renewal  Your vehicle insurance could be as much as 40 percent of your total operating budget.  A Regular policy review is essential in making sure you have the right insurance for your truck—and your business. READ MORE >>

Having insurance is a lot like carrying an umbrella with you at all times: Most of the time it feels burdensome, but boy, are you glad to have it when the rain comes. The right insurance policies are key to a healthy financial life. Below, we've explained briefly which those are, plus when you should purchase them. READ MORE >>

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